If the credit card has been stopped and the debt has not been paid off, the user chooses to pay it back slowly, paying attention to the generation of overdue interest and the influence of credit history. Overdue interest refers to the extra interest generated by the user's failure to repay the loan on time, which will be calculated according to the proportion of. The longer the arrears, the more overdue interest. Users are advised to pay off their debts and reduce the generation of overdue interest.